Finance Options

We believe no one should miss out on having the machine they want, that’s why we offer several ways to pay, so you can enjoy your machine now and spread the cost.

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Buy Now, Pay Later

Spread the Cost

Maximum Flexibility

We partner with trusted names in finance

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Offered through Paypal

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Watch our helpful finance video

Here we give an overview of the different types of finance we offer at The Sewing Studio,

for full details of all the finance options, scroll down

Buy now, pay later

Novuna Finance Buy Now Pay Later

Spread the cost of your purchase over 48 months with the first payment deferred for 6, 9, or 12 months. Then either pay in full to avoid interest (£29.00 fee applicable) or repay using the flexible payment option. A minimum 10% deposit is required.

Spend a minimum of £223 or above
Place a minimum of 10% deposit
Minimum finance amount after deposit of £200.70 or above

Choose Novuna Personal Finance in the checkout.

Credit subject to status and affordability. Terms & Conditions apply. The Sewing Studio Ltd trading as The Sewing Studio is a credit broker and is authorised and regulated by the Financial Conduct Authority. Financial Services Register no. 846201. Credit is provided by Novuna Personal Finance, a trading style of Mitsubishi HC Capital UK PLC, authorised and regulated by the Financial Conduct Authority. Financial Services Register no. 704348. The register can be accessed through http://www.fca.org.uk.

Klarna pay in 30 days

Order your machine today and pay up to 30 days later with no interest and no fees, when you pay on time.

Choose Klarna in the checkout.

Klarna's Pay in 30 days is unregulated credit agreements. Borrowing more than you can afford or paying late may negatively impact your financial status and ability to obtain credit. 18+, UK residents only. Subject to status. Ts&Cs and late fees apply. klarna.com/uk/terms-and-conditions.

Spread the cost

Novuna Finance Interest free

Make regular fixed monthly payments interest-free for up to 36 months. The minimum deposit amount and terms vary depending on the model of machine and you will be shown these options on the product page and in the checkout. During the fixed term, you can make overpayments, and settle early with no additional costs. A minimum deposit of 10% is required.

Choose Novuna Personal Finance in the checkout.

Novuna Finance Interest bearing

Make regular fixed payments for up to 48 months. The minimum deposit amount is just 10% with the option to pay more should you want to and during the fixed term, you can make overpayments or pay in full reducing the amount of interest paid.

Choose Novuna Personal Finance in the checkout.

Klarna Pay in 3

Spread the cost of your purchase into 3 interest-free instalments. The first payment is made at the point of purchase, with remaining instalments scheduled automatically every 30 days.

Choose Klarna in the checkout.

Klarna's Pay in 3 is unregulated credit agreements. Borrowing more than you can afford or paying late may negatively impact your financial status and ability to obtain credit. 18+, UK residents only. Subject to status. Ts&Cs and late fees apply. klarna.com/uk/terms-and-conditions.

PayPal Credit

Spend over £99 and spread the cost of your purchase into 4 interest-free instalments. The First payment is made at the point of purchase, with remaining instalments scheduled automatically every 30 days.

Choose PayPal in checkout.

During the 4 months’ offer period, the 0% balance is included in calculating your monthly repayments. You must make your minimum monthly payment or your 0% offer may be removed. Any remaining balance due after the offer period or any transactions under £99 will be charged interest at your standard variable rate.

Maximum Flexibility

Novuna Finance Buy Now Pay Later

Spend a minimum of £223 or above
Place a minimum of 10% deposit
Minimum finance amount after deposit of £200.70 or above

Choose Novuna Personal Finance in the checkout.

Paypal Finance Eligibility

You can only be considered for finance if you:

Are a UK resident aged 18 years or older
Have a good credit history
Have not recently been declared bankrupt
Are employed, and have an income greater than £7,500 per year

Paypal Finance FAQ's

Read PayPal Eligibility FAQS

Klarna Finance Eligibility

You can only be considered for finance if you:

Be a UK resident
Be at least 18
Have a valid bank card/bank account
Have a positive credit history
Be able to receive verification codes via text

Klarna Finance FAQ's

Read Klarna Pay in 3 FAQS

Klarna Pay in 30 days FAQS

Novuna Finance Eligibility

You can only be considered for finance if you:

Are 18 years old
In paid employment or have a regular income (minimum 16 hours per week or £5,000 per annum, unless you are retired and receiving a pension or in receipt of disability allowance)
Are a permanent UK resident and have lived in the UK for at least 3 years.
Have a UK bank account capable of accepting Direct Debits
Have a good credit history with no late payments, debt relief orders, County Court Judgment (CCJs), Individual Voluntary Arrangements (IVAs) or bankruptcies.
Provide an email address so your documentation can be emailed to you.

Novuna Finance FAQ's

How do I choose to pay by finance?

Just select the finance option on the checkout page or let the sales consultant know if you're buying in our showroom / store

Who is eligible to apply for online finance?

To apply for online finance, you must be over the age of 18, work at least 16 hours a week, or be retired with an income. You must also be a resident of the United Kingdom and have lived in the UK for the last 12 months or more.

Unfortunately, we are unable to offer online finance to residents of Eire. Homemakers aren't excluded from applying under their own names; however the employment details of your spouse / partner will be required in order to process your application.

When do my repayments start?

Your monthly repayments will begin one month after your purchase has been delivered.

Are there any arrangement fees or hidden extras for credit?

No. There are no arrangement fees or hidden extras.

Once my application is approved, what happens next?

Within minutes of your application being approved, you will be presented with the options to either e-sign or print and return your finance agreement.

If you choose to e-sign your agreement, a PDF of your agreement will be displayed on screen. You should read the agreement carefully before clicking all the relevant sections agreeing to its terms.

Once you have agreed to the terms of the finance agreement The Sewing Studio Ltd trading as The Sewing Studio Ltd will be notified and you need do nothing more. I

f you choose to print and return your agreement you should print the agreement, read it carefully and then sign the document following the instructions on the covering letter. This signed document should then be posted to the address shown on the covering letter of the finance agreement.

Note that products will not be allocated to your order until your completed and signed agreement is returned and received by Novuna Personal Finance. Shipment of your goods will follow soon after your agreement has been returned and received.

Will you credit score me and if so, what does this mean?

In addition to credit scoring, Novuna also takes into account confirmation of your identity, validation of certain application details, existing commitments and information held at the credit reference agencies. Though Novuna is unable to provide you with a main reason for the decline of your application, it is usually based on one, or a combination of the following:

Your credit score (please note that every finance company will score you differently)
Adverse credit reference agency information
You are considered to be overcommitted
You are aged under 18
Your existing account performance with other lenders

What type of information do credit reference agencies hold about me?

Some of the information is public information, for example electoral roll, County Court Judgements and bankruptcies. Other lenders may also file information about accounts you hold with them for instance this could include your payment history and outstanding balance on these accounts. Any requests for credit, where a credit reference search has been undertaken, will also be filed, although the result of the request is not recorded.

How do I obtain a copy of this information?

You should send a cheque for £2.00 made payable to the relevant credit reference agency, together with details of all addresses at which you have lived over the last 6 years:

Experian Limited, Customer Support Centre, PO Box 9000, Nottingham, NG80 7WF

Equifax Ltd., Customer Service Centre, PO Box 10036, Leicester, LE3 4FS

TransUnion International UK Limited, Consumer Services, PO Box 491, Leeds, LS3 1WZ

The above listed agencies will provide details of information relating to these addresses. If you believe that the information is incorrect, you can ask the agency to correct it.

If my application is not successful, can I re-apply?

Yes. We acknowledge that circumstances change and just because a previous application has been refused, it does not mean that a further request will automatically be turned down. We do suggest however, that you leave at least 6 months between applications.

Can I request delivery to an address other than my home?

In order to safeguard against fraudulent applications, we regret that we're able only to deliver goods to the home address of the applicant.

Complaints Policy

If there's something you're not happy with, we'd like to be informed so we can resolve your issues.

Complaint handling and dispute resolution process:

Please contact us as soon as possible.
You can contact our Customer Service Team who are here to help, and they will try to provide a suitable solution.
Upon receipt of your complaint, we will contact you in 3 working days to resolve your issue.
Our customer Service Team will ask you to provide any relevant information which helps us identify the issue you have with your product
Email –sales@thesewingstudio.co.uk
Post – The Sewing Studio, 12 Chapel Street, Redruth, Cornwall, TR15 2BY

Escalating the complaint

If you are still unhappy after further escalation and your item has been ordered via Novuna Personal Finance you can also contact Novuna directly to discuss the matter further.

If you wish for your complaint to receive further review, please email us or contact us in writing at the address above.